DIVIDEND RATES Effective: August 17, 2010

Account	Minimum Balance	Annual Percentage Rate	Annual Percentage Yield
Shares	$100.00	.50%	0.5009%
Share Drafts	$100 - $1999	.25%	0.2503%
	$2000 - $9999	.35%	0.3506%
	$10000 - $24999	.45%	0.4501%
	$25000 - $49999	.65%	0.6501%
	$50000 - $99999	.75%	0.7521%
	$100000 - Up	1.00%	1.0037%
Super Saver	$300 - $4999	.50%	0.5001%
	$5000 - $19999	.75%	0.7521%
	$20000 - $49999	1.00%	1.0037%
	$50000 - $99999	1.50%	1.5100%
	$100000 - Up	1.90%	1.9200%
Christmas Club	$ 20.00	1.25%	1.2559%
Holiday Club	$ 25.00	1.25%	1.2559%
SHARE CERTIFICATES
12 Months	$ 500.00	1.50%	1.5100%
18 Months	$ 500.00	1.60%	1.6100%
24 Months	$ 500.00	1.70%	1.7200%
36 Months	$ 500.00	1.80%	1.8200%
48 Months	$ 500.00	1.90%	1.9200%
60 Months	$ 500.00	2.00%	2.0200%

LOAN RATES Effective: January 01, 2010

Type	Financing	Loan Limit	Term Up To	Annual Percentage Rate
AUTO, TRUCK AND MOTORCYCLES                                                                                                As Low As
New (not titled)	100%	$50,000.00	72 Months	6.00%**
Used  1 - 2 Years	100%	$25,000.00	60 Months	6.75%**
3 - 5 Years	100%	$20,000.00	50 Months	7.75%**
6 Years+	100%	$15,000.00	48 Months	8.75%**
PERSONAL LOANS                                                                                          As Low As
Signature	Unsecured	$7,500.00	48 Months	8.95%**
Secured	Shares	100% Pledge	60 Months	4.95%**
Debt Consolidation	Unsecured	$30,000.00	120 Months	8.50%**
HOME EQUITY LOANS                                                                                                                            As Low As
Fixed-Rate Regular	80% of appraised value, less any liens	$100,000.00	5 Years	5.00% **
	80% of appraised value, less any liens	$100,000.00	10 Years	6.00% **
	80% of appraised value, less any liens	$100,000.00	15 Years	7.00% **
Fixed-Rate Special	80% of appraised value, less any liens	$50,000.00	5 Years	5.00%

(**) Your rate may vary from the above rates and will be determined by your credit history, call for current rates